BlastPoint's Credit Union Scorecard

ROCHESTER & MONROE CO EMP

Charter #817 · NY

<100M

2556 CUs in <100M nationally 183 in NY

ROCHESTER & MONROE CO EMP faces 4 concerns requiring attention

National Analysis

How does the industry compare?

NY Analysis

How does NY stack up?

Key Strengths

Areas where this CU excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- ROA 0.33% below tier average
- Efficiency ratio 8.72% above tier (higher cost structure)
- Member decline: -7.9% YoY
- Member Growth Rate: Bottom 8.1% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Members	4,209 -7.9% YoY0% QoQ	+1.6K	2,615 -1.9% YoY	26,134 +5.1% YoY	33,374 +5.7% YoY	80%
Assets	$44.0M +2.5% YoY-0.0% QoQ	+$13.9M	$30.1M +2.1% YoY	$482.3M +7.4% YoY	$561.6M +9.7% YoY	73%
Loans	$26.5M -7.1% YoY-2.4% QoQ	+$10.8M	$15.8M -1.3% YoY	$324.6M +7.8% YoY	$397.0M +8.8% YoY	79%
Deposits	$39.0M +2.8% YoY-0.1% QoQ	+$13.4M	$25.7M +1.4% YoY	$411.3M +7.7% YoY	$477.3M +9.7% YoY	74%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.3% -30.4% YoY+58.5% QoQ	-0.3%	0.6% +10.8% YoY	0.7% +147.7% YoY	0.7% +15.9% YoY	30%
NIM	3.9% -2.1% YoY+1.3% QoQ	-0.1%	4.0% +4.0% YoY	3.6% +4.1% YoY	3.8% +5.1% YoY	49%
Efficiency Ratio	91.3% +3.8% YoY-2.9% QoQ	+8.7%	82.6% -2.3% YoY	80.7% -3.4% YoY	79.7% -3.3% YoY	77%
Delinquency Rate	1.4% -50.3% YoY+13.7% QoQ	-0.2	1.6% -3.1% YoY	1.6% -19.7% YoY	1.3% -2.1% YoY	69%
Loan To Share	68.0% -9.6% YoY-2.3% QoQ	+7.4%	60.6% -3.1% YoY	60.4% -2.5% YoY	67.4% -1.7% YoY	61%
AMR	$15,581 +7.0% YoY-1.0% QoQ	+$799	$14,783 -1.4% YoY	$19,178 -21.9% YoY	$19,687 +2.0% YoY	60%
CD Concentration	20.1% +37.5% YoY+12.7% QoQ	-4.3%	24.4%	16.3%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	2.6%	7.8%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Compare against:

Comparing against 2556 peers in tier

Top Strengths (4 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 2556 Top 0.1% in <100M tier

464

AMR Growth Rate

growth

Value: 7.04%

Peer Median: -

#464 of 2556 Top 18.1% in <100M tier

501

Total Members

engagement

Value: 4,209

Peer Median: -

#501 of 2556 Top 19.6% in <100M tier

543

Total Loans

balance_sheet

Value: $26.54M

Peer Median: -

#543 of 2556 Top 21.2% in <100M tier

Top Weaknesses (3 metrics)

2351

Member Growth Rate

growth

Value: -7.92%

Peer Median: -

#2351 of 2556 Bottom 8.1% in <100M tier

2279

First Mortgage Concentration (%)

balance_sheet

Value: 44.14%

Peer Median: -

#2279 of 2556 Bottom 10.9% in <100M tier

1979

Efficiency Ratio

profitability

Value: 91.28%

Peer Median: -

#1979 of 2556 Bottom 22.6% in <100M tier